--- title: "Farm Management Deposit account (Fixed Term) — CommBank" description: "Term Deposits from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/commbank/products/f889dd909d1d44858a2f2ad839dcda89 source: "CDR Compare" language: en-AU last_updated: 2026-08-29T07:00:41.000Z --- # Farm Management Deposit account (Fixed Term) — CommBank > Term Deposits from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Term Deposits** A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years. ## At a glance - **Fixed rate:** 5.1% (1 year) ## Apply Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/business/banking-and-cards/bank-accounts/farm-management-account.html) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Fixed · 3 months (3 months term option. Interest is paid at maturity. Rate is on a six monthly basis.) | 4.25% | — | every 6 months | | Fixed · 6 months (6 month term option. Interest is paid at maturity. Rate is on a six monthly basis.) | 4.8% | — | every 6 months | | Fixed · 9 months (9 month term option. 6 monthly interest is paid evenly 6 months and at maturity.) | 4.9% | — | every 6 months | | Fixed · 1 year (12 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity.) | 5% | 6 monthly interest payment option | every 6 months | | Fixed · 1 year (12 month term option - Annual interest payment option. Interest is paid at maturity. Rate is on Per Annum basis.) | 5.1% | Annual interest payment option 12 months | every 12 months | | Fixed · 13 months (13 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 13 months (13 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 13 months | every 12 months | | Fixed · 14 months (14 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 14 months (14 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 14 months | every 12 months | | Fixed · 15 months (15 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 15 months (15 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 15 months | every 12 months | | Fixed · 16 months (16 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 16 months (16 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 16 months | every 12 months | | Fixed · 17 months (17 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 17 months (17 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 17 months | every 12 months | | Fixed · 18 months (18 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 18 months (18 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 18 months | every 12 months | | Fixed · 19 months (19 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 19 months (19 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 19 months | every 12 months | | Fixed · 20 months (20 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 20 months (20 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 20 months | every 12 months | | Fixed · 21 months (21 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 21 months (21 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 21 months | every 12 months | | Fixed · 22 months (22 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 22 months (22 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 22 months | every 12 months | | Fixed · 23 months (23 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 23 months (23 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 23 months | every 12 months | | Fixed · 2 years (24 month term option - 6 monthly interest payment option. 6 monthly interest is paid evenly 6 months and at maturity. Rate is on Per Annum basis.) | 4.9% | 6 monthly interest payment option | every 6 months | | Fixed · 2 years (24 month term option - Annual interest payment option. 12 monthly interest is paid evenly 12 months and at maturity. Rate is on Per Annum basis.) | 5% | Annual interest payment option 24 months | every 12 months | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Prepayment administration fee — Fixed Term FMD Account - for withdrawal in advance of maturity | Event | $30.00 | ## Features - **Digital banking** (You will be able to renew the term of the FMD account at maturity, in NetBank and the CommBank app.) - **To withdraw part or all of your funds in advance of maturity ('prepayment'), you will need to give us 31 days' notice, and a prepayment adjustment and administration fee may apply.** - **$1,000.00 minimum ongoing balance in any individual FMD Account at any time.** - **Flexibility to choose between a fixed term and at call investment option** - **Funds held in a FMD account will be deducted from your assessable income in the year in which the deposit is made. Withdrawals are considered assessable income for that year's tax return. Keep in mind, deposits in the FMD account must be kept for at least 12 months to be eligible for tax benefits.** - **Withdrawals and deposits are made by phoning your Relationship Manager, or visiting a branch of the Bank.** - **Helps balance good and bad times, by allowing eligible customers to set aside their individual pre-tax income in good years as a cash reserve to withdraw from in less profitable years.** - **No account-keeping fees (standard government fees may apply).** ## Eligibility - **To be eligible for the scheme and to maintain FMD status, the account holder must be an individual primary producer (this can include the beneficiary of a trust, partner of a partnership, but not joint persons or companies) at the time when they open the account or make a deposit. Deposits must meet the criteria specified in the Income Tax Assessment Act 1997 and those outlined in the Terms and Conditions section of the Farm Management Deposit Accounts document. For further details on eligibility criteria refer to the Farm Management Deposits Law or visit the Department of Agriculture and Water Resources website at agriculture.gov.au. Account holders must also meet the FMD account eligibility criteria as set out by the ATO.** ## Constraints - **Maximum balance** — $800,000.00 (Aggregate balance of all FMD Accounts must not exceed $800,000.00) - **Opening balance** — $1,000.00 (Fixed Term FMD Account - $1,000.00 minimum deposit) ## More information from CommBank - [Overview](https://www.commbank.com.au/business/banking-and-cards/bank-accounts/farm-management-account.html) - [Terms & conditions](https://www.commbank.com.au/business/pds/ADB2671.pdf) - [Eligibility](https://www.commbank.com.au/business/pds/ADB2671.pdf) - [Fees & pricing](https://www.commbank.com.au/personal/apply-online/download-printed-forms/InvInterestRates_ADB1072.pdf) ## Data provenance - Published by CommBank under the Consumer Data Right - Product ID: `f889dd909d1d44858a2f2ad839dcda89` - Last updated by the provider: 29 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/f889dd909d1d44858a2f2ad839dcda89 - Provider page: https://www.cdrcompare.au/brands/commbank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/f889dd909d1d44858a2f2ad839dcda89) — product data published by Australian data holders under the Consumer Data Right. 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